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PSU banks’ liquidity buffers are draining fast as loan demand surges and deposits lag

PSU banks’ liquidity buffers are draining fast as loan demand surges and deposits lag

State-run banks in India are edging closer to regulatory minimums as liquidity coverage ratios fall, driven by loan growth outpacing retail deposit growth. In the March quarter, major PSU banks saw LCR drop by 10–12 percentage points to around 114%–118%, nearer the 100% threshold. Union Bank, Canara Bank and SBI reported sharp year-on-year declines while loans grew faster than deposits. Analysts warn the “easy” strategy of funding credit using excess liquidity is running out, though new norms from Q1 FY27 may ease runoff rates.

Summarised by Beize from a story on The Economic Times on 15 May 2026
Small finance banks turn to gold loans as microfinance bad debts mount

Small finance banks turn to gold loans as microfinance bad debts mount

Small Finance Banks are increasingly leaning on secured products like gold loans to steady earnings and financial health, as unsecured microfinance continues to struggle with elevated bad-loan ratios. The shift aligns with regulator pressure to diversify away from concentrated risk. Larger banks are also expanding microfinance, but the overall pivot toward collateral-backed lending signals a strategy for long-term stability.

Summarised by Beize from a story on The Economic Times on 10 May 2026

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Sebi proposes easing securitisation rules to mirror RBI framework and reshape single asset deals

Sebi proposes easing securitisation rules to mirror RBI framework and reshape single asset deals

Sebi has moved to align India’s securitisation framework with RBI regulations for entities already governed by central bank rules. The proposal includes relaxing the 25% single borrower exposure cap, shifting disclosure duties to the servicer, and tweaking governance for SPDEs. The changes are aimed at enabling more single-asset deals while improving transparency across the process.

Summarised by Beize from a story on The Economic Times on 5 May 2026
Sebi chief warns bankers and insurers against commodity trading over mounting risks

Sebi chief warns bankers and insurers against commodity trading over mounting risks

Sebi Chairman Tuhin Kanta Pandey said India’s banking and insurance regulators are not in favour of allowing lenders and insurers to trade in commodity markets, citing legitimate concerns. Separately, Sebi is preparing an advisory on emerging AI risks, warning that powerful models can exploit weaknesses at speed. The regulator is also set to roll out C-KYC 2.

Summarised by Beize from a story on The Economic Times on 5 May 2026
RBI cancels Paytm Payments Bank licence what happens to your money next

RBI cancels Paytm Payments Bank licence what happens to your money next

The RBI has revoked Paytm Payments Bank’s licence under Section 22(4) of the Banking Regulation Act. The bank can’t carry out banking business anymore, but both the RBI and Paytm say it has enough liquidity to repay depositors. Refunds for savings accounts, wallets, FASTags, and NCMC cards will be handled through a court-monitored winding-up process.

Summarised by Beize from a story on Republic on 27 Apr 2026
RBI cancels Paytm Payments Bank licence but Paytm app still works for users

RBI cancels Paytm Payments Bank licence but Paytm app still works for users

The RBI has cancelled the banking licence of Paytm Payments Bank due to ongoing compliance issues. The bank can no longer accept deposits, but the Paytm app and core services are reported to remain unaffected. For users, this means you may still be able to use UPI and other payment features, even as the payments bank’s banking operations end.

Summarised by Beize from a story on The Economic Times on 25 Apr 2026

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RBI Cancels Paytm Payments Bank Licence Over Governance Failures What Happens Next for Customers

RBI Cancels Paytm Payments Bank Licence Over Governance Failures What Happens Next for Customers

The RBI has revoked Paytm Payments Bank’s licence, citing governance and management practices harmful to depositors and the public. The decision, under the Banking Regulation Act, takes effect from April 24, 2026 and will bar Paytm Payments Bank from operating as a bank. RBI will seek winding up through the High Court, while Paytm says it is not financially affected.

Summarised by Beize from a story on Startup Talky on 25 Apr 2026
RBI cancels Paytm Payments Bank licence leaving Paytm users facing uncertainty

RBI cancels Paytm Payments Bank licence leaving Paytm users facing uncertainty

The RBI has cancelled the licence of Paytm Payments Bank, saying it can no longer conduct banking business under the Banking Regulation Act. The move raises fresh questions for customers and the wider Paytm ecosystem, as the regulator formally ends the bank’s authority to operate. Details on next steps for users are now the key focus.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026
RBI Cancels Paytm Payments Bank License Shutting Fresh Deposit Access Now Ends Operations

RBI Cancels Paytm Payments Bank License Shutting Fresh Deposit Access Now Ends Operations

RBI has cancelled the license of Paytm Payments Bank after previously barring it from accepting fresh deposits since 2024. The decision signals the bank can’t continue operations as it did earlier, putting its account holders and associated services in focus. The RBI action follows heightened regulatory scrutiny of payment banks and their compliance obligations.

Summarised by Beize from a story on Office Chai on 24 Apr 2026
Basel III breaks apart as US Europe and India diverge on bank capital rules

Basel III breaks apart as US Europe and India diverge on bank capital rules

Fifteen years after Basel III was meant to standardize bank capital rules globally, national regulators are applying it unevenly. The US, Europe and India are prioritizing local economic and political goals, creating different capital requirements across jurisdictions. The result is a less comparable international banking system where banks face shifting buffers rather than one common standard.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026

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HDFC merger could reshape India private banking as balance sheet power meets cheaper lending costs

HDFC merger could reshape India private banking as balance sheet power meets cheaper lending costs

HDFC Bank’s larger balance sheet could translate into bigger loan disbursals after the merger, while costs may fall due to recent regulatory streamlining. Updated reporting and delinquency provisioning rules for banks and non-bank finance companies are expected to reduce friction. HDFC’s focus on affordable housing and micro-lending can also help align its loan book with HDFC Bank’s development finance requirements.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026
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